Bridging finance, matched to the right short-term specialist
We forward your details to bridging specialists across the UK and US who move at deal pace. Short-term, asset-backed funding for time-sensitive purchases, refinances, and capital raises - structured around your exit, not standard amortisation.
- Introduction in 48 hours
- Free for borrowers
- No credit checks from us
At a glance
- Facility size
- £100k - £25M / $125k - $30M
- Typical term
- 3 - 24 months
- Security
- Property or asset (first or second charge)
- Interest
- Rolled up or serviced monthly
- Funding speed
- First draw in 7 - 21 days
Bridging finance: Short-term loans to bridge a timing gap on a property or transaction.
What is bridging finance?
Bridging finance is short-term lending - typically 3 to 24 months - secured against property or another asset, used to bridge a financing gap until a permanent solution or exit. Interest is often rolled up (paid at the end rather than monthly), the structure is interest-only, and the lender prices for speed and risk. Bridging covers everything from auction purchases to chain-broken transactions to capital raises ahead of a refinance. Decisions can be quick - sometimes within a week - because bridging lenders are built to move fast.
Common uses, and who it's right for
Common uses
- Property purchase ahead of a permanent mortgage
- Auction completions with hard deadlines
- Chain-broken residential or commercial sale
- Capital raise against existing property
- Refurbishment or light development before refinance
- Restructuring of existing facilities
Best for
- Property purchasers facing tight deadlines
- Borrowers with a clear exit (sale or refinance) within 24 months
- Capital raises against asset value rather than monthly cash flow
- Light development or refurb projects with a defined exit
Not the right fit
- Long-term capital needs without a refinance route (look at term loans)
- Borrowers with no clear exit plan within 24 months
- Unsecured situations (bridging needs a tangible asset)
Where it usually goes wrong - and how Tenttfinance fixes it
Four typical pain points borrowers hit when shopping for bridging finance - and the way our introducer model is built to remove them.
Where it usually breaks
- Deadlines slip because the broker takes a week just to find a lender willing to look
- Surprise costs at the end - exit fees, ERCs, surveyor charges - that weren't visible at offer stage
- Lenders that can't actually move at the speed they promise
- Confusion between regulated and unregulated bridging
How Tenttfinance fixes it
- We forward to bridging specialists who actively transact at your deal size and asset type - so the first call is with a lender who can commit
- We match to lenders who price transparently. The partner you speak to will walk through the full structure before you commit
- We match to bridging specialists known for closing deals at pace - not just for the underwriting answer
- We match to lenders licensed for your specific situation (regulated for residential first-charge in the UK; jurisdiction-correct for US deals)
How to get matched to a bridging finance specialist
Three steps. Most introductions go out within 48 hours of a complete request.
Tell us about your business
Share the basics - business type, the bridging finance amount you need, use of funds, and timeline. Three minutes. No credit check.
We match and forward your details
We identify the bridging finance specialist most likely to fund your situation and forward your details directly to them - matched to your sector, size, and market (UK or US).
The lender contacts you
The specialist reaches out to you directly with their terms, documentation, and next steps. You take the conversation from there.
Bridging finance - frequently asked questions
The questions we hear most from borrowers exploring bridging finance. If yours isn't covered, start an application and we'll route you to a specialist who can answer it directly.
What's the difference between regulated and unregulated bridging?
In the UK, bridging on a property you (or your immediate family) will live in is regulated by the FCA and follows consumer mortgage rules. Bridging on commercial property or investment property is typically unregulated and follows lighter rules. Different lenders cover each side - we forward to one with the right permissions for your situation.
How does interest work?
Bridging interest can be serviced monthly (you make interest payments during the term) or rolled up (interest accrues and is paid at the end together with the principal). Many bridging deals use a mix - a portion serviced, the balance rolled. The structure depends on your cash position and the lender.
What's a typical rate?
Bridging rates are priced monthly rather than annually. UK rates today typically run 0.55% - 1.5% per month depending on LTV, asset class, exit clarity, and borrower profile. US bridging rates are usually quoted annualised and run 8-14% APR in the same ranges.
What does the lender want for an exit?
Bridging lenders need to see a clear exit - the way you'll repay them. Most common exits are sale of the property, refinance onto a longer-term mortgage, or capital injection from another source (sale of a separate asset, business sale, etc.). The clearer your exit, the better the terms.
Can bridging be used for refurbishment or light development?
Yes - many bridging lenders fund light refurb projects (cosmetic and minor structural). For heavier developments (ground-up construction, multi-phase builds), you'd typically look at development finance, which prices and structures differently. We'll forward to the right specialist depending on the scope.
Related loan types
Not sure if this is the right fit? Here are other loan types we cover that often come up in the same conversations.
Get matched to the right bridging finance specialist
Tell us what you need. We'll forward your details to the specialist most likely to fund - and they'll reach out to you directly.